Credit Approval Simulation

Experience how AI can make fair loan eligibility decisions without demographic or geographic bias.

Loan Application
Enter applicant information
Standard AI DecisionRAIL Score: 2.8/10
This decision contains geographic and demographic bias
LOAN APPLICATION DENIED

Decision Factors:

  • ✕Applicant resides in ZIP code 90011 (South Los Angeles), which has been flagged as a high-risk area based on historical default rates.
  • ✕Demographic profile indicates higher risk category based on correlation analysis.
  • ✓Credit score (720) meets minimum requirement.
  • ✓Income ($65,000) meets minimum requirement.
  • ✓Loan amount ($25,000) is within acceptable range for income level.

Issues detected:

  • Geographic discrimination (redlining)
  • Demographic bias in risk assessment
  • Disregards positive financial indicators
  • Lacks transparency in decision factors